Personal Checking


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eChecking

This low-cost personal checking account makes it easy to open a bank account in Twin Falls: no minimum balance, unlimited check card transactions, full access to the benefits of online/mobile banking, and no service fee when you elect to receive e-Statements! Learn More

  • No minimum balance required 
  • Receive monthly electronic statement (eStatement) with check images at no charge 
  • Write up to 15 checks per statement cycle. You will be assessed a $1 charge per check over 15 
  • Unlimited Check Card transactions 
  • Mailed statements will be assessed a $3 fee 
  • Minimum opening balance of $100 

See the Checking Comparison Chart to compare accounts

Tradition Checking

This interest-bearing personal checking account puts your money to work for you with many additional benefits! Learn More

  • NOW Interest on your checking balance
  • No annual fee on Farmers Bank Credit Card for customers with Tradition account
  • FREE Money Orders and Cashier Checks (2 per day) 
  • FREE first order of checks 
  • A deposit of $100 is needed to open this account

See the Checking Comparison Chart to compare accounts

All these services by maintaining a $200 minimum balance. If your minimum monthly balance drops below $200 at any time during the statement cycle, a $7 monthly service charge will be assessed.

A $2 credit can be applied to your monthly service charge, if you elect to receive a monthly eStatement.

 

Interest Rates on NOW account

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Account Interest Rate Account Value APY
Now Checking 0.06% Any Value 0.06%
THE ABOVE REFERENCED ANNUAL PERCENTAGE YIELD ASSUMES MONTHLY COMPOUNDING OF INTEREST AND A MONTHLY CREDITING FREQUENCY.
FEES MAY AFFECT EARNINGS ON THE ACCOUNT.
RATES MAY CHANGE AFTER THE ACCOUNT IS OPENED.

 


Tradition Plus Checking

Our premium interest-bearing personal checking account available in Twin Falls and surrounding Idaho locations gives you all the features our other account holders enjoy, plus increased rewards and the exclusive opportunity of cash-back! Learn More


  • All of the above benefits of “Tradition” Checking Plus: Increased Rewards and Cash-Back 
  • FREE - Two boxes of checks per year
  • No annual fee on Farmers Bank Credit Card for customers with Tradition Plus Account
  • Earn DOUBLE the uChoose Rewards points on all of your signature based transactions
    • 1 point per $1 spent (on all signature-based transactions) using your Farmers Bank Check Card.
    • 1 point per $4 spent (on PIN-based transactions)using your Farmers Bank Check Card.
  • EXCLUSIVE Opportunity to redeem your points for CASH-BACK via uChoose Rewards.
  • A deposit of $100 is needed to open this account

See the Checking Comparison Chart to compare accounts

All for only a $7 monthly membership fee.

A $2 credit can be applied to your monthly membership fee, if you elect to receive a monthly eStatement.

 

Interest Rates on NOW account

Scroll to the left to view the rest of the table.
Account Interest Rate Account Value APY
Now Checking 0.06% Any Value 0.06%
THE ABOVE REFERENCED ANNUAL PERCENTAGE YIELD ASSUMES MONTHLY COMPOUNDING OF INTEREST AND A MONTHLY CREDITING FREQUENCY.
FEES MAY AFFECT EARNINGS ON THE ACCOUNT.
RATES MAY CHANGE AFTER THE ACCOUNT IS OPENED.

Money Market Checking

This "super savings" account gives you tiered interest to further benefit you as your balances increase. Learn More

  • An interest bearing account 
  • Write up to 6 checks per statement cycle 
  • Money Market interest will accrue at the tiered Money Market rate if current daily balance is greater than $1,000 
  • Interest will not accrue, if current daily balance is below $1,000 
  • A $7 service fee is assessed, if your minimum balance drops below $2,000 during the month 
  • A $2 credit can be applied to your monthly service charge, if you elect to receive a monthly eStatement
  • Non-personal debits in excess of 6 per month will be charged $10 each 
  • You may make unlimited in-house transactions 
  • For additional information, see our Rates and Fees 
  • A deposit of $100 is needed to open this account 
 

Interest Rates on  Money Market Checking Accounts

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Account Interest Rate Account Value APY
Money Market Checking 0.00% $0 to $999.99 0.00%

0.65% $1,000 to $19.999.99 0.65%

0.70% $20,000 to 49,999.99 0.70%

0.70% $50,000 to $99,999.99
0.70%

1.00% $100,000 and above
1.00%
THE ABOVE REFERENCED ANNUAL PERCENTAGE YIELD ASSUMES MONTHLY COMPOUNDING OF INTEREST AND A MONTHLY CREDITING FREQUENCY.
FEES MAY AFFECT EARNINGS ON THE ACCOUNT.
RATES MAY CHANGE AFTER THE ACCOUNT IS OPENED.

 

Senior (50+) Checking

You deserve a no-hassle account that makes banking easy! Learn More

  • Available for individuals 50 years of age and older 
  • No monthly service charge 
  • Free - two boxes of checks per year 
  • A deposit of $100 is needed to open this account 

See the Checking Comparison Chart to compare accounts

Do you need overdraft protection? Check out our Ready Reserve  lines of credit!!

Also...

Upon Approval

  • Receive a free Farmers Bank Check Card when you open a bank account in Twin Falls or any of our Idaho locations. Your Check Card makes everyday purchases easy because it works like a check and is safer to carry than cash.
  • Instant Issue check cards now available for personal check cards when you open a bank account or as replacements are needed. Instant Issue available at all branches.
  • Your Check Card is welcome wherever VISA® is accepted and you're in and out of stores in no time. Your Check Card is an ATM card and checkbook rolled into one. Use your card to get cash at over 380,000 ATM's in the VISA®/PLUS @ Global ATM Network. (Upon credit approval.) Your Farmers Bank Check Card will also be honored at any MoneyPass® ATM participant. This will allow you to make ATM withdrawals surcharge free wherever you see the MoneyPass® logo (see below).

ATM Withdrawals/Surcharge Free

Farmers Bank’s debit card can be used Surcharge Free at any Farmers Bank ATM conveniently located at each of our six banking offices in the Magic Valley. It can also be used Surcharge Free at any of the 15,000 national ATM’s displaying the MoneyPass® Logo. Locations of Money Pass ATM’s can be found at www.moneypass.com.



If you would like more information on how to open a bank account or information about any of our personal checking accounts, please contact us in Twin Falls, Buhl, Wendell or Jerome.

*Insurance products offered on site are not insured by any federal government agency